Loans for Pharmacies | Pharmaceutical Finance
Financing for Pharmacies
– Borrow £50k to £500k Today
Whether you’re looking to buy a pharmacy, expand an existing business, invest in new equipment or manage working capital, Acceptance can help you explore the finance options available to your business.
Our finance solutions are designed for UK pharmacies and pharmacy owners, with funding options to support acquisitions, growth, refurbishment, equipment and other business requirements.
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
No assets needed
Unsecured lending
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Subject to status and eligibility. Finance options and terms vary according to individual circumstances.
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
Uses
What is a pharmacy loan?
Pharmacy finance offers a range of funding solutions designed to help pharmacy businesses acquire, operate and grow.
The right type of finance for your pharmacy could be right here!
At Acceptance, we can help you explore finance options based on your business requirements and circumstances.
Buy an existing pharmacy
Pharmacy acquisition finance can help fund the purchase of an established pharmacy business, whether you’re buying your first pharmacy or adding another site to an existing group.
Expand your pharmacy
Use finance to support additional premises, additional services, refurbishment or other investments designed to grow your business.
Purchase pharmacy equipment
Pharmacy equipment finance can help spread the cost of eligible equipment and technology, helping you invest without necessarily paying the full cost upfront.
Refurbish your premises
Finance can help fund improvements to your pharmacy, including shop fit-outs, consultation areas, dispensing areas and other eligible refurbishment projects.
Eligibility
Who can apply for pharmacy finance?
Our loans for pharmacies are designed for UK pharmacy businesses and owners looking for funding to support investment or growth.
Independent pharmacy owners
Funds to help independent pharmacies invest, expand or manage business requirements
First-time pharmacy buyers
Finance for pharmacists looking to take their first step into pharmacy ownership
Existing pharmacy groups
Dunding to support additional acquisitions, new locations, expansion and investment
Pharmacy partnerships
Loans for eligible partner buy-ins, buy-outs and changes in pharmaceutical ownership
Established pharmacy businesses
Funding for equipment, refurbishment, working capital and other eligible business requirements
What lenders look for
Buying a pharmacy? Here is how Acceptance can help
Buying a pharmacy can be a significant investment, particularly when purchasing an established business with, premises, equipment and an existing customer base.
Pharmacy acquisition finance can help eligible buyers fund the purchase of an existing pharmacy while retaining working capital for the business.
- The purchase price
- The financial performance of the pharmacy
- Existing and projected income
- The state of the premises
- Existing borrowing
- Your experience and financial position
- Affordability of proposed loan
Why get a pharmaceutical loan?
Taking out business finance can allow pharmacy owners to invest in their business without using all of their available cash.
- Advantages
- Preserve working capital - retain cash for day-to-day business requirements
- Fund acquisitions - access funding when the right pharmacy purchase opportunity arises
- Support growth - invest in additional premises, equipment or services
- Spread the cost - make repayments over an agreed period
- Improve cash flow management - structure repayments around your business requirements
- Things to consider
- Repayments must be affordable for your business
- The amount and terms available depend on your circumstances and lender criteria
- Security or personal guarantees may be required for some types of finance
- Your business may be at risk if you do not keep up with repayments
The process
How do I apply for a pharmacy loan?
We’ve made applying for business finance as straightforward as possible
Tell us what you need
Complete our online application and tell us about your pharmacy, how much funding you require and what you intend to use it for
We assess your requirements
We'll review your application and look at your business circumstances, finance requirements and affordability
Explore your finance options
We'll explain the finance options available and the relevant costs, repayment terms and requirements
Receive your funding
Once finance has been approved and the required documentation has been completed, your funds can be released
Costs
How much does a pharmacy loan cost?
The cost of a pharmacy loan depends on several factors, including the amount you borrow, the repayment term, the type of finance required and your individual business circumstances.
When comparing finance options, it is important to consider the total amount repayable as well as the monthly repayment, interest rate, fees and other terms.
| Loan amount | Acceptance | Representative APR% | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | 20% | £90,240 |
| £100,000 | 36 months | 15% | £131,040 |
| £150,000 | 36 months | 12.5% | £196,560 |
| £250,000 | 48 months | 10% | £349,440 |
| £500,000 | 60 months | 5% | £775,200 |
5%
What fees are there?
None hidden. Interest is built into your fixed monthly repayment — that’s the only cost.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Work out your loan
What would my pharmacy loan repayments be?
Use our finance calculator to get an illustrative estimate based on the amount you would like to borrow and your preferred repayment term.
Lenders may consider:
- The amount you want to borrow
- The proposed repayment term
- Your pharmacy’s turnover and profitability
- Trading history
- Existing financial commitments
- Your credit history
- The purpose of the finance
- The affordability of the proposed borrowing
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Eligibility Requirements
What will I need to apply for pharmaceutical finance?
We may need information such as:
Pharmacy details
Information about your business, ownership structure and the pharmacy or pharmacies you operate.
Financial information
Recent accounts and bank statements may be required to help assess trading performance and affordability.
Turnover and profitability
Information about your pharmacy’s financial performance may be considered as part of the application.
Existing borrowing
Details of existing business finance and other financial commitments may be required.
Your details
We will need your contact information and details of your role within the business
For acquisitions, additional information about the pharmacy being purchased may also be required.
Features
Why should I use Acceptance for my medical financing?
We keep the application process straightforward, with finance designed around your business requirements.
£50k – £500k funding
Apply for the amount your business needs, subject to status and eligibility.
6–60 month repayment terms
Choose a term to repay your doctor loan that works for your finance requirements.
Fixed monthly repayments
You will always know what your agreed repayments will be throughout the term.
Flexible business use
Finance can be used for a range of business purposes, subject to the terms of your facility.
Early repay option
Repay your finance early without early repayment fees, subject to the terms of your agreement.
Human decisions
A real person reviews your application rather than relying solely on an automated decision.